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Accidental Death action actuarial Aetna agent American Bar Association amount annuity application assessment assignment Association beneficiary benefit burden of proof cash value certificate Charter Oak Circuit claimed clause Code Conn contract corporation Court held Court of Appeals creditors decision declaratory judgment default defendant defendant's disability dividends Divisible Surplus double indemnity effect estate tax evidence executor exempt fact forfeiture funds holders Home Office indebtedness Indemnity insurance company Insurance Counsel insurance policy insured's interest investment issue issuer John Hancock joinder Judge judgment jurisdiction jury lapse liability loan value Lutostanski ment Metropolitan Missouri Mutual Life Insurance Northwestern Mutual notice Ohio opinion P. S. sec pany parties payable person plaintiff policy loan policy provided policyholders presumption private financing Prudential purchase question reinsurance reserve rule Section Securities Act statute suicide Super supra note Supreme Court tion transactions trial Trust Union Central verdict York